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No HOA Homes for Sale in Mona, Utah
Mona sits in southern Juab County between Nephi and Santaquin, tucked against the west face of Mount Nebo — the tallest peak in the Wasatch Range at 11,928 feet. It's a small town of roughly 1,800 residents where most lots run a half-acre or larger, and a good portion of the housing stock predates any kind of homeowners association. That's why no-HOA properties are the rule here rather than the exception. Buyers coming from Utah County or the Salt Lake suburbs are often surprised at how much land they can get without monthly dues, architectural review committees, or rules about RV parking, chicken coops, or detached shops.
The trade-off is straightforward: no HOA means no shared pool, no community landscaping, and you're responsible for your own road maintenance if you're on a private lane. Most Mona homes are on septic and culinary well or Mona town water, and many sit on agricultural or horse-zoned parcels where you can run a few head of livestock. Commuters use I-15 to reach Provo in about 35 minutes or Spanish Fork in 25. If you want a shop, a corral, a long driveway for the boat and the side-by-side, and no one telling you what color to paint the trim, this is the part of the state to look. Browse the active listings below to see what's currently on the market in and around Mona.
May 2026 · Mona market
Live from the Utah MLS — what's actually happening in Mona right now.
Median sale
$495,000
3 closed in May 2026
Median DOM
25 days
listing → contract
Sale-to-list
100.2%
of final list price
Unsold inventory
4
active + pending
11 matching · page 1 of 1
Active listings
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Common questions
About no hoa homes in Mona.
Are most homes in Mona actually outside of an HOA? ▾
Yes. The older established sections of Mona and the rural acreage parcels around town generally have no HOA. A handful of newer subdivisions closer to the freeway may have light covenants, but true HOA-governed neighborhoods with monthly dues are uncommon here compared to Saratoga Springs or Lehi.
Can I park RVs, boats, or trailers on a no-HOA property in Mona? ▾
On most Mona parcels, yes. Without HOA restrictions, you're working only with Juab County and Mona City zoning rules, which are generally permissive about RV and trailer storage on residential and agricultural lots. Always confirm setbacks and any town ordinances before you build a dedicated pad or carport.
Can I keep horses or livestock on a no-HOA home here? ▾
Many Mona properties are zoned A-1 or RA-5 and allow horses, chickens, goats, and small livestock by right. The lack of an HOA removes a second layer of restriction, but you still need to meet animal-unit-per-acre limits set by the county. Acreage parcels of one acre or more are the most flexible.
What's the trade-off between a no-HOA home and one in a planned community? ▾
You gain freedom over your property, lower carrying costs, and usually more land. You give up shared amenities, enforced architectural standards that protect resale aesthetics, and built-in road and snow maintenance. In Mona, most buyers consider that a fair trade given the rural character of the area.
Do no-HOA homes in Mona finance the same as HOA homes? ▾
Generally yes. Conventional, FHA, VA, and USDA loans all work on no-HOA properties, and much of Mona qualifies for USDA rural financing with zero down. Lenders may ask additional questions about private wells, septic systems, and shared road maintenance agreements, so have those documents ready.
How many no-HOA listings are typically active in Mona at one time? ▾
Inventory in Mona is thin year-round — often only 10 to 25 total active homes, the majority of which carry no HOA. Spring and early summer see the most new listings. If nothing on the current list fits, it's worth checking back every couple of weeks or setting up a saved search.